United States Loyalty Market Size And Forecast 2026-2030 By Program, Channel, Sector, And Platform US$61.04 Billion Opportunity As Paid, AI-Driven, And Card-Linked Rewards Scale

(MENAFN- GlobeNewsWire - Nasdaq) Dublin, Oct. 09, 2026 (GLOBE NEWSWIRE) -- "United States Loyalty Market Size & Forecast by Spend Value Across 100+ KPIs by Program Type, Channel Mix, Sector, Embedded Loyalty Penetration, and Platform Spend Segmentation - Databook Q2 2026 Update" has been added to ResearchAndMarkets.com's offering.

The loyalty market in United States is forecast to grow by 17.3% annually to reach US$34.06 billion in 2026. Following a CAGR of 18.7% during 2021-2025, the market is expected to maintain strong momentum at a CAGR of 15.7% from 2026 to 2030. Its value is projected to increase from US$29.04 billion in 2025 to approximately US$61.04 billion by 2030.

Growth in the United States loyalty market is being driven by paid retail memberships, tiered restaurant rewards, co-branded travel cards, personalized offers, and payment-linked loyalty ecosystems. Businesses are increasingly integrating loyalty programs with mobile apps, delivery services, digital payments, retail media, and first-party customer data to improve retention, purchase frequency, and customer lifetime value.

Retail Loyalty Shifts Toward Paid Membership Ecosystems

Major U.S. retailers are expanding beyond traditional points programs by combining free rewards, paid benefits, delivery, co-branded cards, marketplaces, and personalized promotions. Target Circle includes free membership, Target Circle Card benefits, and the paid Target Circle 360 tier, which provides same-day delivery, shipping, extended returns, and exclusive deals. Walmart+ is also strengthening its role within Walmart's loyalty strategy, supported by double-digit growth in membership fee income.

Retailers are using these programs to protect shopping frequency and basket size as consumers remain selective about discretionary purchases. Free programs will continue supporting reach and personalization, while paid tiers will target higher-frequency households through convenience, delivery, card-linked savings, and exclusive access. This transition is moving retail loyalty away from standalone earn-and-burn rewards and toward connected commerce ecosystems that influence shopping, payment, and fulfillment choices.

Restaurant and Coffee Programs Prioritize Frequency and Personalization

Quick-service restaurants and coffee chains are redesigning loyalty programs to increase customer visits and app engagement. Starbucks introduced Green, Gold, and Reserve membership levels in March 2026, creating a more segmented rewards structure. Starbucks Rewards members generated nearly 60% of U.S. company-operated revenue in fiscal 2025, highlighting the program's importance to transaction growth.

McDonald's continues to position MyMcDonald's Rewards as a core digital growth channel. The company reported higher systemwide sales to loyalty members in 2025, while customers joining the program more than doubled their visits during the first year. Restaurant loyalty programs are expected to integrate ordering, payments, personalized offers, and limited-time promotions while providing differentiated benefits for light, frequent, and high-value customers.

Travel Loyalty Becomes More Card-Linked and Revenue-Led

Airline loyalty programs are placing greater emphasis on co-branded credit cards, fare class, elite status, and customer profitability. United's 2026 MileagePlus updates increased advantages for co-branded cardholders while reducing mileage earning for some non-cardholders and basic economy travelers. Delta reported US$8.2 billion in American Express remuneration related to SkyMiles in 2025, approximately 11% higher than in 2024.

Airlines are using loyalty programs to generate revenue from everyday card spending, premium travel, and ancillary purchases. This strategy is expected to continue, although repeated benefit reductions may attract customer and regulatory scrutiny. Occasional and low-fare travelers could receive fewer rewards unless they participate through co-branded financial products.

Bank, Card, and Wallet Rewards Become Merchant Acquisition Channels

Loyalty activity is increasingly moving into bank apps, digital wallets, and card-linked offer platforms. Rewards cards represented 92% of general-purpose card spending in 2023 and 2024, according to the CFPB's 2025 Consumer Credit Card Market report. Chase Media Solutions reported that Chase Offers generated US$11.2 billion in spending for participating merchants in 2025.

Transaction data allows financial institutions and wallets to deliver personalized merchant offers with measurable sales attribution. PayPal Rewards similarly enables customers to discover offers, monitor points, and redeem rewards during checkout or into a PayPal balance. As a result, loyalty, retail media, and financial services rewards are converging, increasing demand for transparent terms, relevant targeting, and consumer control.

Competitive Landscape

Competition is expected to intensify over the next 2-4 years as loyalty becomes more closely connected to first-party data, app engagement, retail media, payments, and subscription revenue. Leading programs include Walmart+, Target Circle, Amazon Prime, Kroger loyalty programs, Starbucks Rewards, McDonald's Rewards, Delta SkyMiles, United MileagePlus, Marriott Bonvoy, Hilton Honors, Chase Ultimate Rewards, American Express Membership Rewards, PayPal Rewards, and Apple Wallet-linked offers.

Technology providers and payments infrastructure companies, including Salesforce, Oracle, and Mastercard-linked rewards platforms, also support market development. Competitive expansion is increasingly coming from banks, wallets, payment networks, and retail media platforms rather than standalone loyalty entrants. Scaled ecosystems with extensive customer data, payment reach, and partner networks are likely to gain market share, while smaller programs will require differentiated benefits or strategic platform partnerships.

Report Coverage

The report provides data-centric analysis of the United States loyalty industry through more than 100 KPIs. It evaluates market size, loyalty spend, value accumulation, redemption, breakage, penetration, enrollment, and channel adoption across historical and forecast periods from 2021 to 2030.

• Retail industry, Ecommerce, and POS market context
• Loyalty scheme and loyalty platform spending
• Point-based, tiered, cashback, subscription, paid, gaming, community, mission-driven, and referral-led programs
• In-Store, online, and mobile loyalty channels
• Retail, financial services, healthcare & wellness, restaurants & food delivery, travel & hospitality, telecoms, and media & entertainment
• Card Based Access and Digital Access models
• B2B and B2C consumer participation
• Free, Free + Premium, and Premium memberships
• Embedded Loyalty Programs and Non-Embedded Loyalty Programs
• AI Driven Loyalty Program and Blockchain Driven Loyalty Program spending
• Cloud, On-Premise, in-house, and Third-Party Vendor platforms
• Consumer analysis by age, income, and gender

The research supports market sizing, investment assessment, competitive benchmarking, strategic planning, and executive decision-making. It provides a structured view of how the United States loyalty market is evolving across program models, industries, channels, technologies, and customer segments while identifying growth opportunities through 2030.

Key Attributes

Report Attribute	Details
No. of Pages	127
Forecast Period	2026-2030
Estimated Market Value (USD) in 2026	$34.06 Billion
Forecasted Market Value (USD) by 2030	$61.04 Billion
Compound Annual Growth Rate	15.7%
Regions Covered	United States

Key Topics Covered
1. About this Report
1.1 Summary
1.2 Methodology
1.3 Definitions
1.4 Disclaimer
2. United States Retail Sector Market Size Trend Analysis
2.1 United States Retail Industry Market Size, 2021-2030
2.2 United States Ecommerce Market Size, 2021-2030
2.3 United States POS Market Size Trend Analysis, 2021-2030
3. United States Loyalty Spend Market Size and Future Growth Dynamics
3.1 United States Loyalty Spend Market Size and Future Growth Dynamics, 2021-2030
3.2 United States Loyalty Spend on Schemes by Value Accumulated and Value Redemption Rate, 2025
3.3 United States Loyalty Spend Share by Functional Domains, 2021-2030
3.4 United States Loyalty Spend by Loyalty Schemes, 2021-2030
3.5 United States Loyalty Spend by Loyalty Platforms, 2021-2030
4. United States Loyalty Schemes Spend Market Size and Future Growth Dynamics by Loyalty Program Type
4.1 United States Loyalty Schemes Spend Share by Loyalty Program Type, 2025
4.2 United States Spend by Point-based Loyalty Program, 2021-2030
4.3 United States Spend by Tiered Loyalty Program, 2021-2030
4.4 United States Spend by Mission-driven Loyalty Program, 2021-2030
4.5 United States Spend by Spend-based Loyalty Program, 2021-2030
4.6 United States Spend by Gaming Loyalty Program, 2021-2030
4.7 United States Spend by Free Perks Loyalty Program, 2021-2030
4.8 United States Spend by Subscription Loyalty Program, 2021-2030
4.9 United States Spend by Community Loyalty Program, 2021-2030
4.10 United States Spend by Refer a Friend Loyalty Program, 2021-2030
4.11 United States Spend by Paid Loyalty Program, 2021-2030
4.12 United States Spend by Cashback Loyalty Program, 2021-2030
5. United States Loyalty Schemes Spend Market Size and Future Growth Dynamics by Channel
5.1 United States Loyalty Schemes Spend Share by Channel, 2021-2030
5.2 United States Loyalty Spend by In-Store, 2021-2030
5.3 United States Loyalty Spend by Online, 2021-2030
5.4 United States Loyalty Spend by Mobile, 2021-2030
6. United States Loyalty Schemes Spend Market Size and Future Growth Dynamics by Business Model
6.1 United States Loyalty Schemes Spend Share by Business Model, 2021-2030
6.2 United States Loyalty Spend by Seller Driven, 2021-2030
6.3 United States Loyalty Spend by Payment Instrument Driven, 2021-2030
6.4 United States Loyalty Spend by Other Segment, 2021-2030
7. United States Loyalty Schemes Spend Market Size and Future Growth Dynamics by Key Sectors
7.1 United States Loyalty Schemes Spend Share by Key Sectors, 2021-2030
7.2 United States Loyalty Schemes Spend in Retail, 2021-2030
7.3 United States Loyalty Schemes Spend in Financial Services, 2021-2030
7.4 United States Loyalty Schemes Spend in Healthcare & Wellness, 2021-2030
7.5 United States Loyalty Schemes Spend in Restaurants & Food Delivery, 2021-2030
7.6 United States Loyalty Schemes Spend in Travel & Hospitality (Cabs, Hotels, Airlines), 2021-2030
7.7 United States Loyalty Schemes Spend in Telecoms, 2021-2030
7.8 United States Loyalty Schemes Spend in Media & Entertainment, 2021-2030
7.9 United States Loyalty Schemes Spend in Other, 2021-2030
8. United States Loyalty Schemes Spend in Key Sectors by Online Channel, 2021-2030
8.1 United States Online Loyalty Spend in Retail Segment, 2021-2030
8.2 United States Online Loyalty Spend in Financial Services, 2021-2030
8.3 United States Online Loyalty Spend in Healthcare & Wellness, 2021-2030
8.4 United States Online Loyalty Spend in Restaurants & Food Delivery, 2021-2030
8.5 United States Online Loyalty Spend in Travel & Hospitality (Cabs, Hotels, Airlines), 2021-2030
8.6 United States Online Loyalty Spend in Telecoms, 2021-2030
8.7 United States Online Loyalty Spend in Media & Entertainment, 2021-2030
8.8 United States Online Loyalty Spend in Other Segment, 2021-2030
9. United States In-store Loyalty Spend in Key Sectors, 2021-2030
9.1 United States In-store Loyalty Spend in Retail Segment, 2021-2030
9.2 United States In-store Loyalty Spend in Healthcare & Wellness Segment, 2021-2030
9.3 United States In-store Loyalty Spend in Restaurants & Food Delivery Segment, 2021-2030
9.4 United States In-store Loyalty Spend in Travel & Hospitality (Cabs, Hotels, Airlines) Segment, 2021-2030
9.5 United States In-store Loyalty Spend in Media & Entertainment Segment, 2021-2030
9.6 United States In-store Loyalty Spend in Other Sector, 2021-2030
10. United States Mobile App Loyalty Schemes Spend in Key Sectors, 2021-2030
10.1 United States Mobile App Loyalty Spend in Retail Segment, 2021-2030
10.2 United States Mobile App Loyalty Spend in Financial Services Segment, 2021-2030
10.3 United States Mobile App Loyalty Spend in Healthcare & Wellness Segment, 2021-2030
10.4 United States Mobile App Loyalty Spend in Restaurants & Food Delivery Segment, 2021-2030
10.5 United States Mobile App Loyalty Spend in Travel & Hospitality (Cabs, Hotels, Airlines) Segment, 2021-2030
10.6 United States Mobile App Loyalty Spend in Telecoms Segment, 2021-2030
10.7 United States Mobile App Loyalty Spend in Media & Entertainment Segment, 2021-2030
10.8 United States Mobile App Loyalty Spend in Other Segment, 2021-2030
11. United States Retail Sector Loyalty Schemes Spend Market Size and Future Growth Dynamics
11.1 United States Loyalty Schemes Spend Share by Retail Segments, 2021-2030
11.2 United States Loyalty Retail Schemes Spend by Diversified Retailers, 2021-2030
11.3 United States Loyalty Retail Schemes Spend by Department Stores, 2021-2030
11.4 United States Loyalty Retail Schemes Spend by Specialty Stores, 2021-2030
11.5 United States Loyalty Retail Schemes Spend by Supermarket and Convenience Store, 2021-2030
11.6 United States Loyalty Retail Schemes Spend by Other, 2021-2030
12. United States Loyalty Schemes Spend Market Size and Future Growth Dynamics by Accessibility
12.1 United States Loyalty Schemes Spend Share by Accessibility, 2021-2030
12.2 United States Loyalty Spend by Card Based Access, 2021-2030
12.3 United States Loyalty Spend by Digital Access, 2021-2030
13. United States Loyalty Schemes Spend Market Size and Future Growth Dynamics by Consumer Type
13.1 United States Loyalty Schemes Spend Share by Consumer Type, 2021-2030
13.2 United States Loyalty Schemes Spend by B2B Consumers, 2021-2030
13.3 United States Loyalty Spend by B2C Consumers, 2021-2030
14. United States Loyalty Schemes Spend Market Size and Future Growth Dynamics by Membership Type
14.1 United States Loyalty Schemes Spend Share by Membership Type, 2021-2030
14.2 United States Loyalty Membership Type Schemes Spend by Free, 2021-2030
14.3 United States Loyalty Membership Type Schemes Spend by Free + Premium, 2021-2030
14.4 United States Loyalty Membership Type Schemes Spend by Premium, 2021-2030
15. United States Loyalty Spend Share by Embedded vs. Non-Embedded Loyalty, 2021-2030
15.1 United States Loyalty Spend by Embedded Loyalty Programs, 2021-2030
15.2 United States Loyalty Spend by Non-Embedded Loyalty Programs, 2021-2030
16. United States Loyalty Spend Share by use of AI, 2021-2030
16.1 United States Loyalty Spend by AI Driven Loyalty Program, 2021-2030
16.2 United States Loyalty Spend by Blockchain Driven Loyalty Program, 2021-2030
17. United States Loyalty Platform Spend Market Size and Future Growth Dynamics by Software Use case
17.1 United States Loyalty Platform Spend Share by Software Use Case, 2021-2030
17.2 United States Loyalty Software Platform Spend by Analytics and AI Driven, 2021-2030
17.3 United States Loyalty Software Platform Spend by Management Platform, 2021-2030
18. United States Loyalty Platform Spend Market Size and Future Growth Dynamics by Vendor/ Solution Partner
18.1 United States Loyalty Platform Spend Share by Vendor/ Solution Partner, 2021-2030
18.2 United States Loyalty Vendor/ Solution Partner Platform Spend by In-house, 2021-2030
18.3 United States Loyalty Vendor/Solution Partner Platform Spend by Third-Party Vendor, 2021-2030
19. United States Loyalty Platform Spend Market Size and Future Growth Dynamics by Deployment
19.1 United States Loyalty Platform Spend Share by Deployment, 2021-2030
19.2 United States Loyalty Deployment Platform Spend by Cloud, 2021-2030
19.3 United States Loyalty Deployment Platform Spend by On-Premise, 2021-2030
20. United States Loyalty Spend Market Size and Future Growth Dynamics by Software vs. Services
20.1 United States Loyalty Spend Share by Software vs. Services, 2021-2030
20.2 United States Loyalty Spend by Software, 2021-2030
20.3 United States Loyalty Spend by Services, 2021-2030
21. United States Loyalty Spend Market Size and Future Growth Dynamics by Custom vs. Off the Shelf Software Platforms
21.1 United States Loyalty Spend Share by Custom vs. Off the Shelf Software Platforms, 2021-2030
21.2 United States Loyalty Software Platforms Spend by Custom Built Platform, 2021-2030
21.3 United States Loyalty Software Platforms Spend by Off the Shelf Platform, 2021-2030
22. United States Loyalty Spend Market Size and Forecast by Consumer Demographics & Behaviour
22.1 United States Loyalty Spend Share by Age Group, 2025
22.2 United States Loyalty Spend Share by Income Level, 2025
22.3 United States Loyalty Spend Share by Gender, 2025
23. United States Loyalty Program- KPIs, Behavioral Metrics & Embedded
23.1 United States Loyalty Program Penetration (% of Retail Sales under Loyalty), 2025
23.2 United States Primary Loyalty Motivation Split Analysis, 2025
23.3 United States Loyalty Program Breakage Rate Analysis, 2025
23.4 United States Loyalty Program Enrollment Channel Mix Analysis, 2025
23.5 United States Embedded Loyalty Penetration by Channel, 2025
24. Further Reading
24.1 About the Publisher
24.2 Related Research
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